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Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Phillipsburg, NJ Variable Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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Customized policies just for you.
Our team tailors policies to your unique needs, meaning optimal coverage at competitive rates.
"I was totally lost trying to find the right Variable Life Insurance until I found PolicyHub. I was able to work with a licensed agent to compare all my options all at one. I got the perfect plan for me at a cheaper rate than I expected."
Barbara Winters
Policy Holder
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Finding the perfect life insurance policy starts with answering a few questions to help us serve you better.
Step 2
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Discuss your options with a licensed insurance agent. Compare plans to find the best policy & cheapest rates.
Step 3
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Secure the lowest rates and lock in the perfect life insurance policy for you and your family.
"I lost hope trying to find a Variable Life Insurance policy that wasn't insanely expensive. Thankfully PolicyHub helped me find the perfect policy that is affordable with high coverage. Thank you!"
Bill Barton
Policy Holder
PolicyHub is the smartest way to protect the people that matter most.
Safeguard Your Family
Variable Life Insurance means safeguarding your family in a worst-case scenario. Don't risk it.
Gain Peace of Mind
Far too many Americans are financially blindsided by the death of a loved one. But not your family.
Protect Your Business
Protect your business by ensuring a smooth transition of ownership with the right life insurance.
Beat Estate Taxes
Inheritance or estate taxes is burdensome for your heirs. A life insurance policy can help.
Invest in Your Future
For less than $1 per day, you can make a huge contribution to your family's financial safety.
Build Your Legacy
Through a life insurance policy, you can leave behind a legacy for your loved ones.
Get started in less than 15 minutes.
With PolicyHub getting started is easy. Compare all the Variable Life Insurance rates from all the providers in Phillipsburg, NJ. Get started in under 15 minutes.
All your Variable Life Insurance needs in one place.
Variable Life Insurance is a type of insurance that combines the features of protection and investment. It isn't just about securing your family's future; it's also a way to grow your wealth. While it offers a death benefit similar to traditional life insurance, a part of your premium goes into investments, offering a chance for your money to grow over time.
This insurance has two main components. The first is the death benefit. If you pass away, your family receives a set amount to financially support them. The second part is the cash value. This is the investment portion. You can choose from a variety of funds provided by the insurance company. As the value of these investments goes up or down, so does the cash value of your policy.
One subtype of variable life insurance is called variable universal life insurance. You can adjust your premium and death benefit as your financial needs change. And just like with Variable Life Insurance, a portion of your premium goes into investment funds. This policy offers both the security of life insurance and the growth potential of investment. It's all about giving you the choices and control over your financial strategy.
Save time and get the best Variable Life Insurance policy with the cheapest rates. Guaranteed.
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Real PolicyHub testimonials...
"I knew I needed Variable Life Insurance but I didn't know where to go. I talked with a few other companies but the cost was outrageous. I found PolicyHub and found the perfect plan for me at an affordable cost."
Wendy Smith
Policy Holder
Get matched with a 5-Star Variable Life Insurance agent.
Roy Stephens
Variable Life Insurance agent
Roy Stephens is a Variable Life Insurance agent licensed in your state.
Mark Sidway
Variable Life Insurance agent
Mark Sidway is a Variable Life Insurance agent licensed in your state.
Cale Reeves
Variable Life Insurance agent
Cale Reeves is a Variable Life Insurance agent licensed in your state.
"I was searching for Variable Life Insurance but quickly found out that everyone was trying to sell me on policies I didn't need. Thankfully I found PolicyHub and get the cheapest rates and the right policy."
Nicole Nielson
Policy Holder
Introducing PolicyHub Price Match Guarantee
Our priority is to save you money while getting you the right coverage. If you find a lower rate for a similar policy anywhere else, we'll match it! With PolicyHub, you can rest assured knowing you're getting the best price for Variable Life Insurance in Phillipsburg, NJ.
Frequent Questions...
Variable life insurance in Phillipsburg, NJ is unique compared to other life insurance policies in that it allows policy owners to invest portions of their premiums in different types of securities, such as stocks, mutual funds, or even other insurance products. Additionally, policy owners have access to the earned interest, dividends, and distributions accumulated from their investments. This feature gives policy owners more control over their investments and potential financial growth. Variable life insurance also offers more tax advantages than other life insurance policies.
Can I cancel my policy after getting variable life insurance quotes in Phillipsburg?
Yes, you can cancel your variable life insurance policy in Phillipsburg, NJ. However, you should be aware that by doing so, you will lose the benefits of the policy which may include the death benefit protection and tax-deferred cash value accumulation potential, as well as any guarantees. Before deciding, you should consider your family's longterm life insurance needs, any surrender charges that your policy may incur, the cost of replacing your coverage, and whether the outstanding policy loan can be repaid or is subject to outstanding policy loans.
What are the tax aspects of a variable life insurance policy Phillipsburg?
The taxes owed for variable life insurance in Phillipsburg, NJ depend on the person's particular situation and the benefits received. It is important to understand that, depending on the type of policy, any withdrawals from the policy could potentially be taxable. Additionally, gains from investments within the life insurance policies such as mutual funds may be subject to capital gains taxes. It is important to review any potential tax implications with a tax advisor in order to ensure that the taxes are paid correctly and in a timely manner.
How often can I modify my investments in variable life insurance near Phillipsburg?
Variable life insurance policyholders in Phillipsburg, NJ have the flexibility to make changes to their investment choices on an annual basis. However, it's important to understand that while it is relatively easy to change the portfolio mix and individual asset classes, the timing of such changes may be subject to restrictions based on the company's investment restrictions or applicable state or federal regulations. As a result, it's recommended to speak with a qualified insurance representative about the specific terms and conditions associated with making changes to your variable life insurance policy in Phillipsburg, NJ.
Can I include riders in my variable life insurance quote Phillipsburg?
Yes, you can add riders to your variable life insurance policy in Phillipsburg, NJ. Riders are an added cost to your policy that provide additional protection, benefits and options beyond those included in a traditional insurance policy. Common riders available in Phillipsburg may include critical illness riders, disability riders, long-term care riders and accelerated death benefit riders. A qualified insurance agent in Phillipsburg can work with you to determine which riders may be right for you and your budget.
Phillipsburg, NJ residents may be looking for a reliable and flexible life insurance option that offers primary benefits. Variable life insurance offers policyholders the potential for growth on a portion of the cash value, providing a potential additional income stream. It can also offer flexibility, allowing holders to adjust how much they pay as well as adjust the amount of coverage for their needs. Variable life insurance typically also provides tax-deferred or tax-free death benefits as well as an accumulation of cash value that policy holders can access at any time.
Can I upgrade variable life insurance policies near Phillipsburg to another policy type?
Yes, you can upgrade your variable life insurance to another type of policy in Phillipsburg, NJ. You will need to speak to an experienced life insurance specialist to discuss the various policies available to you – such as whole, universal or term life insurance – and analyze the best policy for your individual needs. The specialist can also explain the associated costs, assist with the paperwork, and review options with you. You can find several qualified, licensed life insurance specialists in Phillipsburg, NJ.
How regularly should I check my variable life insurance in Phillipsburg?
Depending on the specific needs of the policyholder, it is important to review your variable life insurance policy in Phillipsburg, NJ at least once a year. This regular review ensures that your financial goals and circumstances are taken into account so the policy will continue meeting your needs. Additionally, regularly reviewing your variable life insurance policy can help you keep up with recent changes to insurance regulations or new services that may be available.
Can I use my Phillipsburg variable life insurance policy for retirement savings?
Yes, variable life insurance can be a great retirement savings vehicle for those living in Phillipsburg, NJ. The policy's cash value can grow tax-deferred as policyholders who are proactive will gain the full advantage of their investments. Variable life insurance also includes guarantees which protect the policyholder's account value from losses. This flexibility and potential for growth make it a great tool for those living in the area who are looking for options to save for their retirement.
Can I convert from term life insurance with a Phillipsburg variable life insurance company?
Yes, you can convert your term life insurance to a variable life insurance policy in Phillipsburg, NJ. Depending on your individual circumstances, a financial advisor in Phillipsburg may be able to help you determine if a variable life insurance policy is right for you. It's important to understand the differences between term and variable life policies to better ensure that the policy you select will meet your goals and needs. A policy conversion may require additional paperwork and fees, so it's wise to consult with a professional to learn more about the process and any applicable fees.
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